What is the ESI salary limit in India?

ESI coverage is mandatory for employees earning up to ₹21,000 per month gross salary. For persons with disabilities (PWD), the limit is ₹25,000 per month. If an employee's salary exceeds ₹21,000, they are not covered under ESI. However, if salary increases mid-contribution period, the employee remains covered until the end of that contribution period.

Which establishments must register for ESIC?

ESIC registration is mandatory for establishments with 10 or more employees (in most states). In some states (like Maharashtra, Chandigarh), the threshold is 20 employees. The establishment must register within 15 days of becoming eligible. The penalty for non-registration can be up to ₹5,000 under the ESI Act.

What benefits does ESI provide to employees?

ESI provides comprehensive benefits: Medical treatment at ESIC hospitals/dispensaries (including dependents), Sickness benefit (70% of daily wages for 91 days), Maternity benefit (26 weeks at full wages), Disability benefit (for work injuries), Dependent benefit (family of deceased), Funeral expense (₹15,000 lump sum), Rehabilitation allowance, and Medical care even after retirement for employees who contributed for 5+ years.

How to register for ESIC online?

Register for ESIC online at esic.in: (1) Go to esic.in → Employer Registration; (2) Fill in establishment details, employee count, nature of work; (3) Provide company PAN, bank details, address; (4) Get employer code. Registration is mandatory within 15 days of eligibility. Penalty for non-registration: imprisonment up to 6 months or ₹5,000 fine.

ESI Calculator India 2026 — ESIC Contribution Free

Q: What is the ESI contribution rate in India 2026?

ESI (Employee State Insurance) contribution rates in India 2026: Employee contributes 0.75% of gross salary. Employer contributes 3.25% of gross salary. Total ESIC contribution = 4% of gross salary. These rates were reduced in 2019 from 1.75% (employee) and 4.75% (employer) to encourage employment.

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ESI / ESIC Calculator — Employees' State Insurance 2026

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Gross Monthly Salary (₹)

Number of Employees

Person with Disability (PWD)?

Not Eligible for ESI

Gross salary exceeds ₹21,000/month — employee is not covered under ESI.

✅ Eligible for ESI Coverage — Employee is covered under ESIC

Total Monthly ESIC

₹0

Net Take-home

₹0

Employee ESI (0.75%)₹0

Employer ESI (3.25%)₹0

Total ESIC (4%)₹0

Gross Monthly Salary—

Employee ESI Deduction (0.75%)—

Employer ESI Contribution (3.25%)—

Annual Employee ESI—

Annual Employer ESI—

Net Take-home After ESI—

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ESI Contribution Rates & Eligibility

Component	Rate	Example (₹20,000 salary)
Employee ESI	0.75%	₹150/month
Employer ESI	3.25%	₹650/month
Total ESIC	4%	₹800/month
Salary limit (general)	≤₹21,000/month	Mandatory coverage
Salary limit (PWD)	≤₹25,000/month	Extended coverage

ESI Benefits for Employees

🏥 Medical Benefit

Full medical care at ESIC hospitals for employee and dependents

💰 Sickness Benefit

70% of daily wages for up to 91 days during illness

👶 Maternity Benefit

26 weeks at full wages for female employees

🦮 Disability Benefit

Compensation for work-related injuries or permanent disability

🕊️ Dependent Benefit

Financial support for family of deceased worker

⚰️ Funeral Expenses

₹15,000 lump sum for funeral of insured employee

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"Helped our HR team instantly verify whether each employee is eligible for ESI or not. The PWD threshold feature is very useful for our inclusive hiring program."

Ananya Srivastava — HR manager, Noida

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"Multi-employee calculation feature saves hours each month. I enter the number of employees and get total employer ESIC liability for budgeting."

Suresh Kumar — Factory owner, Coimbatore

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"The not-eligible alert is great. Catches employees who crossed ₹21K threshold mid-year so we know when to stop deducting ESI."

Meena Pillai — Payroll executive, Kochi

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Frequently Asked Questions

What is the ESI contribution rate in India 2026?+

Employee: 0.75% of gross salary (reduced from 1.75% in 2019). Employer: 3.25% of gross salary (reduced from 4.75% in 2019). Total ESI = 4%. Example: ₹20,000 salary → employee pays ₹150, employer pays ₹650, total ₹800/month.

What is the ESI salary limit?+

ESI covers employees earning up to ₹21,000/month gross salary. For Persons with Disabilities (PWD), the limit is ₹25,000/month. If salary exceeds the limit, the employee is excluded from ESI for that contribution period.

Who must register for ESIC?+

All establishments with 10 or more employees (20 in some states) must register with ESIC within 15 days of becoming eligible. Registration is mandatory at esic.in. Penalty for non-registration: imprisonment up to 6 months or ₹5,000 fine under Section 85 of ESI Act.

What are the ESI contribution due dates?+

ESI contributions must be deposited by the 15th of the following month. For example, contributions for April must be paid by 15 May. Delay attracts interest at 12% per annum (simple interest) on the unpaid amount. Monthly returns (Form-5) must be filed by the 11th of the following month.

What benefits does ESI provide?+

ESI provides: Medical care at ESIC hospitals (employee + dependents), sickness benefit (70% wages for 91 days), maternity benefit (26 weeks), disability benefit (work injuries), dependent benefit (family of deceased), funeral expenses (₹15,000), and medical care after retirement for employees who contributed for 5+ years.

ESI / ESIC Calculator India 2026